3.009
Revenuekr M
30.43
31.60
32.76
34.97
36.01
37.17
38.51
39.88
42.38
44.06
3.338
4.12%
4.09%
93
7.02
Revenue growth%
28.30
27.87
27.73
27.94
29.47
31.68
33.80
31.63
34.34
33.13
10.11
33.13
30.55
84
14.78
NIM%
20.03
20.54
18.05
20.15
22.46
21.59
20.67
20.19
19.43
21.90
20.78
20.67
20.37
5
21.81
Effic. R.%
17.39
16.17
16.49
16.47
15.60
18.19
18.00
20.86
22.86
24.23
5.51
20.86
17.70
41
28.24
Net margin%
22.10
20.53
19.22
17.71
19.58
19.45
20.04
22.19
25.05
27.80
18.76
22.19
20.29
33
24.99
P/E ratio (avg)x
25.99
25.11
26.36
27.63
28.34
27.15
26.00
25.24
23.18
23.25
21.43
25.24
25.99
71
15.47
P/TBVx
42.74
42.51
42.53
50.14
58.29
59.51
64.65
62.11
60.25
66.73
25.49
62.11
58.90
56
21.76
P/Bx
6.132
6.996
7.159
6.997
7.467
7.873
7.436
8.686
8.372
8.389
32.18
8.372
7.451
45
10.48
NIIkr M
19.24
20.48
20.78
22.06
22.80
23.69
24.36
25.86
27.30
28.17
9.389
4.33%
4.08%
—
6.24
NII grth%
28.07
29.09
28.08
28.54
31.43
31.92
31.22
33.66
34.68
33.74
13.66
33.66
31.33
27
27.28
ROTE%
20.03
21.28
23.44
21.15
21.30
22.50
23.64
22.18
22.00
22.90
11.38
22.50
22.09
41
6.00
Return on equity%
24.44
26.58
27.07
27.71
26.09
26.06
24.06
21.71
21.58
20.72
19.35
21.71
25.25
54
22.25
Return on assets%
25.02
24.47
22.92
22.28
24.59
24.69
23.46
24.73
26.00
27.68
15.05
24.73
24.64
39
1.84
EPSkr
9.66
9.67
9.54
9.58
9.95
10.39
10.49
10.50
10.91
12.50
1.96
4.67%
3.80%
—
2.86
EPS growth%
16.65
17.03
15.15
16.04
14.53
15.75
18.71
18.35
19.74
17.48
5.30
18.35
16.84
67
4.79
Bookvalue per shkr
3.24
3.11
3.54
3.95
4.63
4.81
4.74
5.18
5.68
5.35
9.64
2.93%
6.51%
—
2.70
TBV/shkr
2.07
2.08
1.93
1.95
2.18
2.20
2.04
2.03
2.12
2.27
5.44
0.82%
0.52%
—
4.39
Dividend per shkr
8.45
9.27
10.59
11.75
11.67
13.35
14.85
16.23
15.24
16.66
6.02
7.38%
6.93%
—
14.51
Div yield (avg)%
8.38
10.77
12.15
13.62
15.61
18.47
19.52
19.65
21.65
23.89
20.14
19.65
17.04
10
5.86
Payout ratio%
0.40
2.31
3.00
1.72
0.60
2.37
2.69
2.72
3.94
6.03
29.87
2.72
2.53
9
1.104
Shares (diluted)M
0.834
0.762
0.719
0.635
0.618
0.595
0.549
0.521
0.558
0.483
1.108
(4.80%)
(6.35%)
60
27.56
Buyback yield%
25.49
27.81
25.47
23.78
25.98
23.59
23.86
21.73
19.25
18.40
17.16
21.73
23.82
64
164.21
Eq/Assets%
150.02
145.14
142.73
150.02
140.52
127.28
122.90
110.47
106.63
95.59
176.88
110.47
133.90
59
24.29
Assetskr M
14.15
15.07
16.66
19.06
20.53
23.03
23.96
26.73
28.52
30.86
6.388
8.49%
8.46%
69
24.79
LT debtkr M
22.97
23.15
21.66
22.95
25.62
25.76
29.55
29.23
30.51
30.24
13.15
3.37%
3.02%
50
Non-interest expense
4.04%
1.00×
Net interest income
63.95%
Non-interest income
36.05%